Thank you, Chair Tester, and I appreciate the work that--we have a package of issues on the Senate floor and I appreciate the work Jon is doing on that.

It increases credit scores by 32 points. That clearly is significant in the lives of a lot of people.

I think you know that medical debt is not predictive.

I just wanted to restate my support for the GUARD Act. We should reinstate the guardrails to protect from unaccredited organizations.

The three witnesses today determine the financial futures of every American.

It is vital that these reports contain only information that's useful and fair and, above all, accurate.

A shortage of affordable housing isn't just a housing problem. It's an education problem. It's a health care problem. It's an economic growth problem.

I want to reiterate that one important way to achieve this goal is to remove all medical debt from credit report.

Our constituents are calling on us to address them.

I just wanted to restate my support for the GUARD Act. We should reinstate the guardrails to protect from unaccredited organizations.

Thank you, Chair Tester, and I appreciate the work that--we have a package of issues on the Senate floor and I appreciate the work Jon is doing on that.

Today, credit reports are riddled with errors.

what Senator Cortez Masto is looking at in terms of the HOME Program is following that reauthorization.

In the American spirit of collaboration and bipartisanship, I look forward to working with you, Chairman Scott...

That includes Ranking Member Scott's ROAD to Housing proposal, which I'm sure he will touch on today.

Senator Cortez Masto and this Committee has been a leader in this.

Our constituents are calling on us to address them.

Thank you, Chair Tester, and I appreciate the work that--we have a package of issues on the Senate floor and I appreciate the work Jon is doing on that.

I urgently request that additional hearings be identified for the Subcommittee on General Farm Commodities, Risk Management, and Credit to ensure that Members have a forum to discuss minority and socially disadvantaged farmer and rancher…

our farm safety net programs are an essential tool to help farmers and ranchers literally weather any downturns in the market

A shortage of affordable housing isn't just a housing problem. It's an education problem. It's a health care problem. It's an economic growth problem.

Thank you, thank you, thank you for taking time out of your busy schedules to be with us today.

Our nation's strength in agriculture and as a people is our diversity.

Even though my region of Ohio-11 may not have cotton fields, we certainly interact with the material later in the supply chain in the form of textile production.

It is our duty to ensure that the upcoming farm bill includes a strong, up-front investment in the farm safety net.